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Thread: When to Cancel vs. When to Downgrade?
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Old Sep 4, 2012 | 2:44 pm
  #7  
yOyOYoo
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Join Date: Feb 2012
Posts: 731
In my experience, Chase and Citi can easily do a product conversion or downgrade of a card, which:

1. Retains your credit history (number of years with card)
2. Does not lower your credit score since no credit pull is done
3. Does not count as a new tradeline since it's not counted as a new credit card

I don't have experience with this with other banks. Maybe someone else can chime in.
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